Liability coverage car insurance calculator

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Liability car insurance with 50/100/50 limits costs $829 a year on average, and your state has the biggest effect on your rate. Wyoming drivers pay the least, at $367 a year, while Florida drivers pay $1,635, more than four times as much. Each state sets its own coverage requirements and has its own traffic, accident and lawsuit rates, which drive what insurers charge there.

You may also pay more if you’ve received a ticket or caused an accident. Insurers set rates based on how likely you are to file a claim, and a recent violation, being under 25 or, in most states, having a lower credit score all signal a higher chance of said claim. The car you drive also impacts how much you pay, since some makes and models cost more to cover than others.

The calculator below estimates your rate based on your state and car, so you know what to expect before you shop. If a quote comes in well above your estimate, it’s a sign to compare other insurers before you buy.

How to use our liability coverage calculator

Enter your car’s year, your state and your car’s make and model, and the calculator will show your estimated liability insurance cost in seconds.

Liability coverage car insurance calculator

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Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type SZDX A-SpecZDX Type SZDX Type S Performance Wheel and Tire

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Acura Integra

Nationwide

Vehicle details

Vehicle year 2024

Style 2WD 4 Door Hatchback Automatic Turbo

State Nationwide

Cylinders 4

Make & model Acura - Integra

Vehicle type Luxury Car

Your estimated rate

Liability coverage $1,180/year

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Methodology

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit.

For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations.

Average rates are for comparative purposes; your rate will depend on your personal factors.

Read more about our research standards and methodology.

Data last refreshed in 2026

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How much does liability insurance cost by state?

Liability insurance costs the most in Florida, New Jersey, New York, Delaware and Nevada, where average premiums top $1,400 a year. Every state on that list except Nevada requires drivers to carry personal injury protection, which pays your own medical bills after a crash, so even a basic policy costs more. Wyoming, Vermont, Maine and South Dakota cost the least, all under $500 a year, helped by lighter traffic and fewer claims.

The table below shows the average annual cost of 50/100/50 liability coverage in every state.

What does liability insurance actually cover?

Liability insurance pays for damage and injuries you cause to someone else in an accident that’s your fault. It does not cover your own car or your own injuries — that’s what collision and comprehensive coverage are for.

• Bodily injury liability: Pays for the other person’s medical bills and lost wages if they’re hurt in an accident you caused.
• Property damage liability: Pays to repair or replace the other person’s car, or anything else you damaged, like a fence or a mailbox.

So if you crash into someone else’s car, liability insurance pays for their car. If your own car gets damaged in that same accident, liability insurance won’t pay a cent toward fixing it.

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How much liability coverage do I actually need?

Most states only require a small amount of liability coverage, but that minimum often isn’t enough to fully cover a serious accident. If you own a home, have savings, or just want stronger protection, it’s worth carrying higher limits than your state requires.

Liability limits are written as three numbers, like 50/100/50, which stand for $50,000 per injured person, $100,000 total for injuries in one accident and $50,000 for property damage. Higher limits mean your insurer pays more of a serious accident’s costs, which leaves less for you to cover out of pocket.

Methodology

Insure.com commissioned liability-only car insurance rates from Quadrant Data Services across all 51 states. Rates are based on a 40-year-old male and female driver with a clean driving record, a good insurance score, and 50/100/50 bodily injury and property damage liability coverage, driving a Honda Accord LX with a 12-mile commute and 10,000 annual mileage. We compared 65,756,440 insurance quotes from 195 insurance companies (73 company groups) across 34,595 ZIP codes and 29,159 cities. The national average annual premium is $829. The rates are for comparison purposes only, your exact premium may vary.

Read more about our research standards and methodology.

Laura Longero

Executive Editor

 

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Laura Longero is an insurance expert with 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions.